HDFC Ergo Health Insurance Plans

Company Overview

HDFC ERGO General Insurance Company is a 51:49 joint venture between the Housing Development Finance Corporation Ltd. (HDFC), India’s premier Housing Finance Institution, and ERGO International AG the primary insurance entity of the Munich Re Group of Germany. The Company marked the first merger in the General Insurance sector in August 2017, with IRDAI’s approval for the merger of HDFC ERGO General Insurance Co. Ltd. with HDFC General Insurance Ltd. (formerly Known as L&T General Insurance Co. Ltd.), and the merged entity, known as HDFC ERGO General Insurance Co. Ltd., is the third largest General Insurance provider in the private sector.

HDFC ERGO General Insurance Company under license. CIN : U66030MH2007PLC177117.

Family Health Insurance

Health Suraksha Gold Insurance

Health Suraksha Gold is uniquely designed to protect your immediate family. It provides maximum coverage at an affordable cost. Choosing Health Suraksha Gold will indeed give your family a complete protection and safeguard you from the spiraling medical expenses. You can also add Health Suraksha Gold plan with your employee health insurance for a larger cover.

Key Benefits

No restrictions on hospital expenses such as room rent, doctor fees, investigations
and medicine costs.

No entry age restriction

Maternity Benefit along with New Born baby cover

Free health check-ups on completing 4 claim-free years

Lifelong renewability

Massive chain of 6000+ network hospitals for cashless treatment

Tax savings upto Rupees 60,000 under Section 80D of the Income Tax Act

Critical Illness

Critical Illness insurance is a unique plan that offers Lump Sum disbursement of the Sum Insured amount to the insured person on first diagnosis of the below listed critical illnesses after a survival period of 30 days:

Key Benefits

1. Provides lump-sum benefit on diagnosis of any of the listed Critical Illnesses

2. This amount can be used for

a. Care and treatment

b. Recuperation aids

c. Paying off debts, if any

d. Any lost income due to a decreasing ability to earn

e. Change in lifestyle

3. It offers tax benefits under Section 80D

Why choose HDFC ERGO?

Wide range of plans to choose from - HDFC ERGO offers a wide selection
of plans to match your requirements. You can also choose the plans depending upon
your family size and age.

Network of over 6000 hospitals - HDFC ERGO has tied up with a wide
list of hospitals to offer cashless hospitalization for its customers.
Click
here
to find the list of hospitals.

24*7 Support - HDFC ERGO offers round the clock support for
your convenience and a hassle-free experience.

Trusted by Millions - HDFC ERGO is a recognized brand for taking
care of your insurance needs. With over 75 lacs happy customers, the brand has been
assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability.

STEP 2 - Avail Cashless & Submission of Documents

STEP 3 - Preauthorization

Hospital will send the cashless request to HDFC ERGO and coordinate with us for authorisation Preauthorization Form

STEP 4 - At the time of Discharge & Settlement of claim

HDFC ERGO/ TPA will scrutinize all the received documents and convey the final stand on the claim

STEP 5 - Status Update

You will receive an update through SMS/Emails on every stage of the claim on your registered mobile number or email id Track your claim

STEP 6 - Cashless authorisation & Approval of Claim

Hospital shall send the final bill to HDFC ERGO for authorisation and HDFC ERGO shall scrutinise the same and give final authorisation in case of approved transcations to the hospital. Any inadmissible expenses, copayments, deductions will have to be paid by you.

STEP 3 - Approval of Claim

HDFC ERGO will scrutinize all documents and approve the claim. In case additional information or documents are required, HDFC ERGO will call for the same and upon satisfactory receipt of all necessary documents the claim will be settled by HDFC ERGO

STEP 4 - Status Update

You will be updated through SMS/Emails on every stage of the claim Track your claim

STEP 5 - Settlement of claim

On receipt of complete documents, the claim would be processed and payment will be made through NEFT.

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